VERIFIED FINANCING OPTIONS

RIDE NOW, PAY LATER

EMOTO works with multiple financing partners to find you the perfect fit for your personal financials.

Choose the best lender for you!

Review the credit guidance below and apply directly with the lender that fits you best. Most decisions come back in minutes.

Start here - all credit considered

Magwitch checks your options with a soft pull that won't affect your credit score, and looks across multiple lenders at once to find where you fit.

Credit guidance: All credit scores considered

Apply for Magwitch

Fast decision - all credit types

DigniFi runs a soft credit check - it won't affect your score - and most applicants get a decision in about two minutes.

Credit guidance: All credit scores considered

Apply for Dignifi

Top-tier credit

For excellent credit, DealerDirect offers some of the strongest terms available through EMOTO. Get pre-approved in minutes.

Credit guidance: Best for credit scores 660+

Apply for DealerDirect

Need help? Speak with one of our experts.

Call or text our team of specialists 7-days a week (813) 285-4445.

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Frequently Asked Questions

How much is my down payment?

Customers must first apply for financing. Once approved for financing, we will get an approval amount. Based on that approval we put your deal together.

For example, if you get approved for $3,000 in financing on a $4,000 bike you would pay $1,000 down and finance the $3,000 amount. This is fully flexible, so if you want to finance less than your approval, you are welcome to do that!

Does applying affect my credit score?

Out lenders may use a soft credit check to prequalify you, which does not impact your credit score. If you move forward with a full loan, a credit inquiry may appear on your report.

What are the interest rates?

Rates vary based on your credit profile and the loan terms you select. You’ll see all rates and payment options clearly before you accept the loan.

Is my information secure?

Yes. All finance partners use secure, encrypted systems to protect your personal and financial information.

What can I use my financing for?

You can typically use it for:

  • Bikes, Golf Carts or vehicles
  • Parts & accessories
  • Service, repairs, or upgrades
    (Exact eligibility depends on the store and loan approval.)
EMOTO Supply Co. is not a lender. Financing is provided by third-party lenders subject to their own credit approval, terms, and conditions. Rates, terms, and approval are not guaranteed and vary by creditworthiness and lender. See each lender's application for full terms.